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As per the Reserve Bank of India's (RBI) four-tiered regulatory framework for Urban Cooperative Banks (UCBs), what are the minimum Capital Adequacy Ratio (CAR) requirements for Tier-1 UCBs and Tier 2–4 UCBs, respectively?
- 8% for Tier-1 and 10% for Tier 2–4
- 9% for Tier-1 and 12% for Tier 2–4
- 10% for Tier-1 and 11% for Tier 2–4
- 9% for Tier-1 and 10% for Tier 2–4
Correct answer: 9% for Tier-1 and 12% for Tier 2–4
Solution
Under RBI's four-tier framework for UCBs, Tier-1 banks are required to maintain a minimum CAR of 9%, while Tier 2–4 banks must maintain 12%. This reflects stricter norms for larger and more systemically important UCBs.
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